4.9

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.

Redeem your cash back for any amount, any time. Cash rewards never expire.

100% U.S. based customer service.

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

4.3

OVERALL RATING

4.3/5.0

3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle

No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 14.49% after that

4.3

OVERALL RATING

4.3/5.0

3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle

No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 14.49% after that

4.9

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.

Redeem your cash back for any amount, any time. Cash rewards never expire.

100% U.S. based customer service.

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

4.3

OVERALL RATING

4.3/5.0

3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle

No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 14.49% after that

4.9

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.

Redeem your cash back for any amount, any time. Cash rewards never expire.

100% U.S. based customer service.

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

Review Breakdown: Cards for Excellent Credit

Still looking for your ideal credit card? If you have an excellent credit history, you have a variety of options when it comes to choosing your next card. Below is a simple summary of the top cards for excellent credit. Simply click on the card's name to visit the issuer's official application.

5 Benefits of an Excellent Credit Rating

Have you ever been enticed by those new car offers of 0% down, zero interest and zero due at signing? Ever wonder who actually gets those deals? It’s the people that have excellent credit ratings. And by that, I mean EXCELLENT credit – like 800 and up credit (remember, credit scores range from 300 [horrible] to 850 [perfect]).

Here are more obvious and immediate benefits of having an excellent credit rating:

1. The best interest rates on your credit cards

The credit card offers that most of us drool over will often have a tiny little asterisk by that APR number. If you look closely, the asterisk will say something like, “Rates are based upon credit-worthiness; restrictions apply.” That’s credit card speak for “Only those with excellent credit need apply.”

2. Increased credit limits and borrowing capacity

In addition to lower interest rates, the credit card limits and lines of credit available to those with excellent credit are much higher than for the rest of us. When your available credit is higher, it looks better on your credit report, making it more likely your score will remain high.

3. Better mortgage and refinancing rates

When it comes time to buy a home or to refinance the home you’re in, the banks will fall over themselves to make you the best deal possible. That’s because they get graded on the average credit rating of their borrowers. With excellent credit ratings scarce, you can bet you’re in high demand.[/about_item]

4. Better auto loans

Yep, this is where you get to take advantage of those zero-zero-zero deals. Only the most attractive credit scores get invited to this party. In fact, have a copy of your 800+ credit score with you when you walk into the dealership and ask what kind of deals they have. Prepare to be impressed.[/about_item]

5. Lower insurance rates

What does my credit score have to do with how good a driver I am, you ask? The truth is absolutely nothing. But if you have a good driving record and an excellent credit score, you are more likely to receive the preferred rates on car insurance. This is because the insurance company has one more metric by which to judge you a financially responsible person.

There are other benefits to having an excellent credit rating. Any personal or signature loans you need also will have the lowest rates assigned. Vacation rentals, reservations and timeshares also will come with the best possible benefits and rates. Just about every aspect of your life that involves some person or entity gauging your level of responsibility will benefit from you having excellent credit.

Photo source: sealcredit.com

Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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* Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers. See the credit card issuer's website for specific terms and conditions of each card.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved, or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however all credit card information is presented without warranty. After you click on an offer you will be directed to the credit card issuer's web site where you can review the terms and conditions for your offer.

Advertiser Disclosure: CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own, and are not provided, endorsed, or approved by advertisers.